Credit union · NCUA insured
Air Academy Credit Union CD Rates
Air Academy Credit Union’s best CD rate is 3.76% APY on a 1-year share certificate (CD). Terms run from 3 months to 54 months. Rates checked October 22, 2026.
How Air Academy Credit Union’s CD rates compare
Compared with banks and credit unions near Colorado Springs, CO, where Air Academy Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Air Academy Credit Union
3.76%APY
- Term
- 12–17 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- —
Certificates
Top rate
Academy Bank
4.40%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $667
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Air Academy Credit Union CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.66%
- 9–15 months9–15 mo3.76%
- 16–30 months16–30 mo3.66%
- 31–60 months31–60 mo3.66%
- QualifiedQualified3.76%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Air Academy Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 3.76%APY · 10 terms
A minimum balance of $500.00 is required to open and earn dividends on Certificate Accounts or an IRA Certificate. Early withdrawal penalties may apply. Dividends begin accruing when account opening documentation has been completed (signed and received by AACU) and account has been funded.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsEarly withdrawal penalties may apply | 3.26% | $81 |
| 6–11 monthsEarly withdrawal penalties may apply | 3.66% | $181 |
| 12–17 monthsEarly withdrawal penalties may apply | 3.76% | $376 |
| 18–23 monthsEarly withdrawal penalties may apply | 3.56% | $539 |
| 24–29 monthsEarly withdrawal penalties may apply | 3.61% | $735 |
| 30–35 monthsEarly withdrawal penalties may apply | 3.66% | $940 |
| 36–41 monthsEarly withdrawal penalties may apply | 3.66% | $1,139 |
| 42–47 monthsEarly withdrawal penalties may apply | 3.61% | $1,322 |
| 48–53 monthsEarly withdrawal penalties may apply | 3.61% | $1,524 |
| 54–60 monthsEarly withdrawal penalties may apply | 3.51% | $1,679 |
Sources (1)
- aacu.com/personal/personal-banking/certificates.html · captured Oct 4, 2026
Special-purpose accounts
IRA Certificates
Up to 3.76%APY · 8 terms
A minimum balance of $500.00 is required to open and earn dividends on Certificate Accounts or an IRA Certificate. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–17 monthsEarly withdrawal penalties may apply | 3.76% | $376 |
| 18–23 monthsEarly withdrawal penalties may apply | 3.56% | $539 |
| 24–29 monthsEarly withdrawal penalties may apply | 3.61% | $735 |
| 30–35 monthsEarly withdrawal penalties may apply | 3.66% | $940 |
| 36–41 monthsEarly withdrawal penalties may apply | 3.66% | $1,139 |
| 42–47 monthsEarly withdrawal penalties may apply | 3.61% | $1,322 |
| 48–53 monthsEarly withdrawal penalties may apply | 3.61% | $1,524 |
| 54–60 monthsEarly withdrawal penalties may apply | 3.51% | $1,679 |
Sources (1)
- aacu.com/plan/invest/individual-retirement-accounts.html · captured Oct 4, 2026
Who can join Air Academy Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Health Care professionals are eligible for membership.
- People employed by or a member of one of the credit union's Select Employee Groups are eligible for membership.
- Small businesses are eligible for membership.
Military, government and schools
- Active duty and retired military service members and their families are eligible for membership.
- Employees and students (and their families) of 15 qualifying school districts are eligible for membership.
Membership information collected October 4, 2026.